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This is a low loan amount. Loan amounts less than $50,000 typically receive fewer quotes.

Down payment

$

%

This amount is very low. The more you put down the better your rates will be.

Property value

$

Current balance

Current mortgage balance

Your current balance is the total amount you owe on your mortgage. It is the difference between the original amount borrowed and the money you have paid toward the principal so far. If in addition to your 1st mortgage, you have a 2nd mortgage (or a home equity line of credit) include the combined outstanding balance from your 1st and 2nd mortgage. Contact your lender to find out your exact outstanding balance.

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Low equity: Less than 20%

Who owns the loan?

Who owns/backs your loan?

This field helps us determine whether you are eligible for special low-equity programs such as HARP or FHA streamline refinances.

To see if your loan is owned or guaranteed by Fannie Mae or Freddie Mac, use the following lookup tools:

Check your monthly statement to see if you have a mortgage insurance premium (MIP). This is what FHA calls its mortgage insurance — so if you see it on your statement, you have an FHA-insured loan; or

Check your closing docs and find your closing statement (called a HUD1). Look in the top-right corner on the first page and see if you find a HUD 13-digit case number in this format: 000-0000000-000. If you do have a HUD case number, you have an FHA-insured loan.

If you're still uncertain, call your lender or servicer.

Learn more about the options for refinancing your underwater mortgage:

Annual Income

Any recurring commissions, bonuses, overtime, and tips that you expect to continue

Rental income, stock dividends, investment income, etc.

Any alimony/child support payments you receive

Note: If you are applying with a co-borrower, include both your and your co-borrower's annual income

$

Monthly debts

Monthly Debts

Include:

Minimum credit card payments

Car payments

Student loans

Alimony/child support payments

Any house payments (rent or mortgage) other than the new mortgage you are seeking

Rental property maintenance

Other personal loans with periodic payments

Note: If you are applying with a co-borrower, include both your and your co-borrower's monthly debts.

Do NOT include:

Credit card balances that you pay off in full each month

Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking

The new mortgage you are seeking

$

Property type

How is home used?

Home Use

Lenders offer different rates for mortgages depending on how the property will be used. For example, a loan for a rental property is more expensive than a loan for a primary residence because lenders believe investors are more likely to stop paying their mortgage and walk away from a rental property than they are from their own home.

Cash out

Cash out

Enter the amount of additional cash you would like to take out.

Cash-out refinancing means you refinance your mortgage for more than is currently owed, then you use the difference to pay for things such as home improvements, buying a car, paying for school, and vacations, just to name a few.

Are you or your co-borrower a first time buyer?

Have you or your co-borrower declared bankruptcy in the last 7 years?

Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.

Had a foreclosure?

Have you or your co-borrower been foreclosed on in the last 7 years?

Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan.

Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.

Self-employed?

Are you or your co-borrower self-employed?

Loans for self-employed borrowers typically require more documentation for items like your income and assets. Notice that by selecting self-employed we also ask for your assets.

Assets

Assets

While you don't need to tally up every asset you own, include your largest assets. Lenders typically look at both your liquid assets and non-liquid assets. Liquid assets are things you could access quickly such as checking, savings or stock accounts. Non-liquid assets are things you own but which you probably cannot sell immediately like real estate assets.

Note: If you are applying with a co-borrower, include both your and your co-borrower's assets.

$

Desired loan programs?

Loan programs

There are two main types of mortgage programs: fixed rate and adjustable rate mortgages (ARMs.)

Fixed rate programs:

Fixed rate loans have the same rate and monthly payments for the life of the loan. The number of years describes how long it will take to pay off the loan. Fixed rate loans are good for people who do not plan to move or refinance for many years. They are also good for people who have a lower tolerance for risk and want predictable expenses. The downside is that fixed rate mortgages typically have higher interest rates than adjustable rate mortgages.

ARM programs:

ARMs have an introductory period when the payments are the same each month like a fixed loan. After the introductory period, the payments can change to be higher or lower. For example, a 5/1 ARM has a fixed rate for 5 years and then adjusts once per year for the remaining 25 years of the loan. ARM payments are usually cheaper than fixed-rate payments during the introductory period. If you believe you will sell or refinance your home before the introductory period ends, an ARM loan might make sense for you.

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Loan Programs

Points

Points

Points are fees you are willing to pay to get a lower interest rate. The number of points refers to the percentage of the loan amount that you would pay. For example, "1 point" means a charge of 1% of the loan amount.

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Total Lender Fees

Total estimated lender fees includes lender, government and other fees associated with the loan quote submitted by the lender. These fees contribute to the total amount of the loan's closing costs. Other third party fees may apply.

Note: A lender may offer a credit to reduce your out of pocket cost. You may be able to use this credit to pay fees associated with your mortgage transaction.

Total Loan Amount

The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront FHA mortgage insurance premium that is included in the total loan amount.

Total Loan Amount

The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront VA funding fee that is included in the total loan amount.

Third Party Fees

The third party services fees are settlement charges that are not paid to the lender. These fees are paid to external service companies for things such as:

Appraisal

Title insurance

Recording charges

Transfer taxes

Escrow

Interest

Homeowners insurance

These fees are estimates and can vary depending on the company. Typically lenders will recommend providers for you but you can shop around to save money. Follow up with the lender to get a full list of closing costs.

Est. Mortgage Insurance

If you put down 20% or more when you took out your current mortgage, you may not be subject to mortgage insurance if you refi through the HARP program. Ask your lender for more details about your situation.

True Cost

Compare quotes by incorporating Rate, Fees, Loan Program, and Points into one number.

View the interest and fees due over different periods of time.

Find the least expensive loan for your expected timeframe.

True Cost may not include third-party fees such as title insurance, which may increase the cost of the loan.

The interest rate is the yearly rate charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned. Note that rates may increase for adjustable rate mortgages.

Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, lender fees, and certain other financing charges the borrower is required to pay. Using APR to compare quotes is helpful because it takes into account both the interest rate and financing fees. The APR is calculated by Zillow.

Confirmed Lender

Zillow confirms through the NMLS that lenders are licensed to originate mortgage business in the state(s) they are quoting in before they are allowed to participate in the marketplace.

Accuracy Promise

Zillow's Quality Assurance (QA) team "mystery shops" lenders to ensure they are honoring their quotes. Also, users can flag quotes for Zillow's QA team to investigate and review their experiences with lenders.

No Spam

Your contact request will only go to the lender you select. We will never sell your email or phone number to any 3rd party or send you nasty spam.

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All participating lenders are paid advertisers. Zillow does not recommend or endorse any lender. We display lenders based on their location, customer reviews, and other data based on information supplied by users. Payment received by Zillow does not affect how frequently they are displayed. For more information on Zillow advertising practices, see Zillow's Terms of Use & Privacy.